don't make enough transactions each month. so the whole thing reminded me of a -- here's what happened. we're not going to be able to raise fees on interest. right? you have another fee. each time the government tries to hammer out a regulation, more bank fees pop up like the pesky moles do. >> neil: sometimes i go too far but the point was then, as it is now, that in our infinite wisdom to help, we create more problems and charley, to your point, we create a lot more problems. >> it's a super flews agency, the scoop consumer protection agency. >> neil: what does it do? >> watch other consumers and regulate banks. >> neil: how is it different from the fdic. >> 50 state attorney generals, u.s. attorneys. >> neil: we need more or better? >> you know, i think -- listen,